Deposit service providing device

Abstract

To provide a deposit service providing device which pays interest at a timing desired by a user in a deposit service. [Solution] The deposit service providing device has a CPU and a memory. The memory includes a deposit balance storage means for storing a user's deposit balance, and an interest rate storage means for storing a first interest rate for the deposit, and the CPU executes a user preference receiving means for receiving a desired interest payment timing for the deposit from a user terminal, a first interest calculation means for calculating an interest payment amount for the deposit at the desired interest payment timing based on the deposit balance, the first interest rate, and an interest calculation period according to the desired interest payment timing, and an interest payment means for performing a payment process of the interest payment amount to the user at the desired interest payment timing, the desired interest payment timing including immediate payment or periodic payment, and the payment process including either a deposit or transfer to a specific deposit account, or a payment by cash or electronic money.

Description

[Technical field]

[0001] This relates to the technology of deposit service systems provided by financial institutions. [Background technology]

[0002] There are concerns that the decline in deposit balances at financial institutions will occur due to the declining birthrate, aging population, and the continuing decline in population. In response, financial institutions are implementing strategies to secure stable, low-cost deposit funding. In addition, competition among financial institutions has intensified as a result of the increase in policy interest rates. Summary of the Invention [Problem to be solved by the invention]

[0003] Financial institutions can adopt a strategy of attracting and securing savings accounts from young people as one of their strategies for stable, low-cost deposit procurement. The key to making this strategy successful is to offer interesting, simple and convenient savings products.

[0004] In view of the above, the present invention aims to provide a deposit and savings service providing device that pays interest at a timing desired by a user in a deposit and savings service. [Means for solving the problem]

[0005] One form of the disclosed deposit service providing device comprises a deposit balance memory means for storing a user's deposit balance, an interest rate memory means for storing a first interest rate to be used for calculating interest on the deposit, a user preference accepting means for accepting a desired interest payment timing for the deposit from a user terminal, a first interest calculation means for calculating the interest payment amount for the deposit at the desired interest payment timing based on the deposit balance, the first interest rate and an interest calculation period corresponding to the desired interest payment timing, and an interest payment means for performing payment processing of the interest payment amount to the user at the desired interest payment timing, wherein the desired interest payment timing includes immediate payment or periodic payment, and the payment processing includes either a deposit or transfer to a specific deposit account, or a payment in cash or electronic money. Effect of the Invention

[0006] The disclosed deposit and savings service providing device pays interest at a timing desired by a user in a deposit and savings service. [Brief description of the drawings]

[0007] [Figure 1] 1 is a diagram showing an overview of a deposit and savings service providing device according to an embodiment of the present invention. [Diagram 2] 2 is a functional block diagram of a deposit and savings service providing device according to the present embodiment. FIG. [Diagram 3] FIG. 2 is a diagram showing an example of a deposit balance storage means according to the present embodiment. [Figure 4] FIG. 4 is a diagram showing an example of an interest rate storage means according to the present embodiment. [Diagram 5] 2 is a diagram illustrating an example of a hardware configuration of a deposit service providing device according to the present embodiment. FIG. [Figure 6] 4 is a flowchart showing the flow of basic processing by the deposit and savings service providing device according to the present embodiment. [Figure 7] 4 is a flowchart showing the flow of basic processing relating to a fixed term deposit service by the deposit service providing device according to the present embodiment. [Figure 8] 13 is a flowchart showing the flow of processing for mid-term cancellation of a fixed term deposit service by the deposit service providing device according to the present embodiment. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0008] DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS With reference to the drawings, a description will be given of an embodiment of the present invention. (Operation principle of the deposit service providing device according to the present embodiment) The operation principle of the deposit service providing device 100 according to this embodiment (hereinafter simply referred to as "the device") will be described with reference to Figures 1 to 4. Figure 1 is a diagram showing the connection relationship between the device 100 and other devices, Figure 2 is a functional block diagram of the device 100, and Figures 3 and 4 are diagrams showing examples of storage means 110 and 120.

[0009] 1, the device 100 is connected to a user terminal 380 operated by a user 350 via a communication network 390. The communication network 390 may be a wired or wireless network. The user terminal 380 may be a mobile terminal such as a smartphone, or a personal computer such as a desktop computer or a notebook computer.

[0010] As shown in FIG. 2, the device 100 has a deposit balance storage means 110, an interest rate storage means 120, a user preference receiving means 130, a first interest calculation means 140, a tax amount calculation means 150, an interest correction means 160, an interest payment means 170, a second interest calculation means 180, and a principal payment means 190.

[0011] The deposit balance storage means 110 stores the balance 370 of the deposit 360 of the user 350. The deposit balance 370 may be the principal amount of a fixed-term deposit, which is a type of deposit from which the principal cannot be withdrawn until the maturity date. As shown in FIG. 3, the deposit balance storage means 110 stores information indicating a balance 370 of 1,000,000 yen.

[0012] The interest rate storage means 120 stores a first interest rate 220 and a second interest rate 230 used for calculating interest on a deposit 360. The first interest rate 220 is an interest rate applied to interest calculation in normal deposit services, and the second interest rate 230 is an interest rate applied to interest calculation in exceptional cases such as mid-contract cancellation 340 in the deposit service. The first interest rate 220 and the second interest rate 230 may be different interest rates. As shown in FIG. 4, the interest rate storage means 120 stores, for example, information "1.00%" as the first interest rate 220 and information "0.20%" as the first interest rate 230.

[0013] The user preference receiving means 130 receives a desired interest payment timing 210 for the deposit 360 from a user terminal 380. The desired interest payment timing 210 may be any timing, such as immediate advance / deferred payment, daily advance / deferred payment, weekly advance / deferred payment, or monthly advance / deferred payment.

[0014] The user preference receiving means 130 may receive the desired interest payment timing 210 as a direct instruction, or may receive it as an indirect instruction accompanying application for a specific deposit service in which the interest payment timing is fixed.

[0015] The first interest calculation means 140 calculates the interest payment amount 250 for the deposit 360 at the desired interest payment timing 210 based on the deposit balance 370, the first interest rate 220, and the interest calculation period 240 corresponding to the desired interest payment timing 210.

[0016] 3 and 4, for example, in the case of a deposit balance of 370:1,000,000 yen, a first interest rate of 220:1%, and an interest calculation period of 240:1 day (interest paid daily), the first interest calculation means 140 calculates the interest paid amount of 250 as 1,000,000 yen x 1% x 1 day ÷ 365 days = 27 yen. Note that, although a process of rounding down less than 1 yen is given as an example of the calculation, other rounding methods may be adopted. The same applies below.

[0017] Also, for example, if the deposit balance is 370:1,000,000 yen, the first interest rate is 220:1%, and the interest calculation period is 240:7 days (interest paid weekly), the first interest calculation means 140 calculates the interest payment amount as 250, as 1,000,000 yen x 1% x 7 days ÷ 365 days = 191 yen.

[0018] Also, for example, if the deposit balance is 370:1,000,000 yen, the first interest rate is 220:1%, and the interest calculation period is 240:365 days (one year from the deposit date to the maturity date), the first interest calculation means 140 calculates the interest paid amount as 250, as 1,000,000 yen x 1% x 365 days ÷ 365 days = 10,000 yen.

[0019] The tax amount calculation means 150 calculates a first tax amount 270 to be withheld from the interest payment amount 250. The tax amount calculation means 150 calculates, for example, the interest payment amount 250×20% to obtain the first tax amount 270.

[0020] Furthermore, the tax calculation means 150 calculates a second tax amount 280 to be withheld from the early termination interest amount 260 described below. The tax calculation means 150 calculates, for example, the early termination interest amount 260×20% to obtain the second tax amount 280. The interest adjustment means 160 calculates the adjusted interest payment amount 290 by subtracting the first tax amount 270 from the interest payment amount 250 . Moreover, the interest adjustment means 160 calculates an adjusted early termination interest amount 300 by subtracting a second tax amount 280 from an early termination interest amount 260, which will be described later.

[0021] The interest payment means 170 performs a payment process of the interest payment amount 250 to the user 350 at the desired interest payment timing 210. The interest payment means 170 may also perform a payment process of the revised interest payment amount 290.

[0022] If the deposit 360 is a type of deposit (a so-called fixed term deposit) in which the principal cannot be withdrawn until maturity date, and the desired interest payment timing 210 is the deposit date 310 of the deposit 360, the interest payment means 170 may be configured to perform payment processing of the interest payment amount 250 or the revised interest payment amount 290 on the deposit date 310. The interest payment means 170 may be configured to perform processing to pay the revised early termination interest amount 300 to the user 350 at the time of early termination. It should be noted that the payment process by the interest payment means 170 is a concept that includes any of depositing or transferring to a specific savings account, or paying in cash or electronic money.

[0023] The second interest calculation means 180 calculates the early termination interest amount 260 to be paid to the user 350 at the time of early termination 340 based on the remaining deposit balance 370 (principal amount of deposit 330), the second interest rate 230, and the period from the deposit date 310 to the early termination date.

[0024] 3 and 4, for example, assume that the deposit balance is 370:1,000,000 yen, the second interest rate is 230:0.20%, and the interest calculation period is 240:90 days (the period from the deposit date 310 to the early cancellation date). The second interest calculation means 180 then calculates the early cancellation interest amount 260 as 1,000,000 yen x 0.20% x 90 days ÷ 365 days = 493 yen.

[0025] Here, the processing by the principal payment means 190 described below assumes that the target deposit service is a so-called fixed term deposit service, the desired interest payment timing 210 is the deposit date 310 of the fixed term deposit, and the interest calculation period 240 is the period from the deposit date 310 to the maturity date 320.

[0026] The principal payment means 190 performs a process of paying the amount obtained by deducting the first tax amount 270 from the deposit balance 370, which is the deposit principal amount 330, to the user 350 on the maturity date 320 of the time deposit. This process is performed when the interest payment means 170 performs a payment process of the interest payment amount 250 on the deposit date 310.

[0027] The principal payment means 190 may also perform a process of paying the amount corresponding to the deposit balance 370, which is the deposit principal amount 330, to the user 350 on the time deposit maturity date 320. This is the process performed when the interest payment means 170 performs a payment process of the revised interest payment amount 290 on the deposit date 310.

[0028] The principal payment means 190 may also be configured to perform processing to pay the user 350 an amount obtained by deducting the amount paid by the interest payment means 170 on the deposit date 310 (interest payment amount 250 or adjusted interest payment amount 290) from the deposit balance 370. This assumes processing when a request for mid-term cancellation 340 of a so-called fixed term deposit is received from the user terminal 380. It should be noted that the concept of payment processing using principal payment means 190 includes any of depositing or transferring money to a specific savings account, or making a payment in cash or electronic money.

[0029] Based on the above-mentioned operating principle, the device 100 performs payments of interest 250, 260, 290, 300 at timing 210 desired by a user 350 in a deposit and savings service 360 ​​provided by a financial institution. (Hardware configuration of the deposit service providing device according to this embodiment)

[0030] An example of the hardware configuration of the present device 100 will be described with reference to Fig. 5. Fig. 5 is a diagram showing an example of the hardware configuration of the present device 100. As shown in Fig. 5, the present device 100 has a CPU (Central Processing Unit) 410, a ROM (Read-Only Memory) 420, a RAM (Random Access Memory) 430, an auxiliary storage device 440, a communication I / F 450, an input device 460, an output device 470, and a recording medium I / F 480.

[0031] The CPU 410 is a device that executes a program stored in the ROM 420, performs arithmetic processing on data loaded into the RAM 430 in accordance with instructions from the program, and controls the entire device 100. The ROM 420 stores the programs and data to be executed by the CPU 410. When the CPU 410 executes a program stored in the ROM 420, the programs and data to be executed are loaded into the RAM 430, and the RAM 430 temporarily holds the arithmetic data during the calculation.

[0032] The auxiliary storage device 440 is a device that stores the OS (Operating System) which is the basic software, the application program according to the present embodiment, and the like, together with related data. The auxiliary storage device 440 includes the deposit balance storage means 110 and the interest rate storage means 120, and is, for example, a HDD (Hard Disk Drive) or a flash memory.

[0033] The communication I / F 450 is an interface for connecting to a communication network 390 such as a wired or wireless LAN (Local Area Network) or the Internet, and for transmitting and receiving data to and from other devices 380 that provide a communication function.

[0034] The input device 460 is a device such as a keyboard for inputting data to the present device 100. The output device (display device) 470 is a device constituted by an LCD (Liquid Crystal Display) or the like, and functions as a user interface when the user utilizes the functions of the present device 100 or when performing various settings. The recording medium I / F 480 is an interface for transmitting and receiving data to and from a recording medium 490 such as a CD-ROM, DVD-ROM, or USB memory.

[0035] Each of the means of the present device 100 may be realized by the CPU 410 executing a program corresponding to each of the means stored in the ROM 420 or the auxiliary storage device 440. Also, each of the means of the present device 100 may be realized by the processing related to each of the means as hardware. Also, the present device 100 may be made to execute the program by reading the program according to the present invention from an external server device via the communication I / F 450 or reading the program according to the present invention from the recording medium 490 via the recording medium I / F 480. (Example of processing by the deposit service providing device according to the present embodiment) (1) Basic Processing by the Device 100 The flow of basic processing by the present device 100 will be described with reference to Fig. 6. Fig. 6 is a flowchart showing the flow of basic processing by the present device 100.

[0036] In S10, the user preference receiving means 130 receives a desired interest payment timing 210 for the deposit 360 from the user terminal 380. The desired interest payment timing 210 may be any timing, such as immediate advance / deferred payment, daily advance / deferred payment, weekly advance / deferred payment, or monthly advance / deferred payment.

[0037] The user preference receiving means 130 may receive the desired interest payment timing 210 as a direct instruction, or may receive it as an indirect instruction accompanying application for a specific deposit service in which the interest payment timing is fixed.

[0038] At S20, the first interest calculation means 140 calculates the interest payment amount 250 for the deposit 360 at the desired interest payment timing 210 based on the deposit balance 370, the first interest rate 220, and the interest calculation period 240 corresponding to the desired interest payment timing 210.

[0039] 3 and 4, for example, in the case of a deposit balance of 370:1,000,000 yen, a first interest rate of 220:1%, and an interest calculation period of 240:1 day (interest paid daily), the first interest calculation means 140 calculates the interest paid amount of 250 as 1,000,000 yen x 1% x 1 day ÷ 365 days = 27 yen. Note that, although a process of rounding down less than 1 yen is given as an example of the calculation, other rounding methods may be adopted. The same applies below.

[0040] Also, for example, if the deposit balance is 370:1,000,000 yen, the first interest rate is 220:1%, and the interest calculation period is 240:7 days (interest paid weekly), the first interest calculation means 140 calculates the interest payment amount as 250, as 1,000,000 yen x 1% x 7 days ÷ 365 days = 191 yen.

[0041] Also, for example, if the deposit balance is 370:1,000,000 yen, the first interest rate is 220:1%, and the interest calculation period is 240:365 days (one year from the deposit date to the maturity date), the first interest calculation means 140 calculates the interest paid amount as 250, as 1,000,000 yen x 1% x 365 days ÷ 365 days = 10,000 yen.

[0042] In S30, the tax calculation means 150 calculates the first tax amount 270 to be withheld from the interest payment amount 250. The tax calculation means 150 calculates, for example, the interest payment amount 250×20% to obtain the first tax amount 270. In S40, the interest adjustment means 160 calculates the adjusted interest payment amount 290 by subtracting the first tax amount 270 from the interest payment amount 250. In S50, the interest payment means 170 performs a payment process of the revised interest payment amount 290 to the user 350 at the desired interest payment timing 210.

[0043] Here, the processes of S30 and S40 may be omitted, and the interest payment means 170 may perform the payment process of the interest payment amount 250 to the user 350 at the desired interest payment timing 210 in S50. It should be noted that the payment process by the interest payment means 170 is a concept that includes any of depositing or transferring to a specific savings account, or paying in cash or electronic money.

[0044] By carrying out the above-mentioned processing, the device 100 pays interest 250, 290 at the timing 210 desired by the user 350 in a deposit and savings service 360 ​​provided by a financial institution. (2) Basic processing related to fixed term deposit service by the device 100

[0045] The flow of basic processing related to the fixed term deposit service by the device 100 will be described with reference to Fig. 7. Fig. 7 is a flowchart showing the flow of basic processing related to the fixed term deposit service by the device 100. In S110, the user request receiving means 130 receives an application for a type of deposit (so-called fixed term deposit) in which the deposit 360 cannot be withdrawn until the maturity date.

[0046] Then, in S110, the user preference receiving means 130 receives the desired interest payment timing 210 for the deposit 360: the deposit date 310 of the deposit 360 as an indirect instruction in conjunction with the application for the fixed term deposit service in which the interest payment timing is determined.

[0047] In S120, the first interest calculation means 140 calculates the interest payment amount 250 for the deposit 360 at the desired interest payment timing 210 based on the deposit balance 370, the first interest rate 220, and the period 240 from the deposit date 310 to the maturity date 320.

[0048] For example, if the deposit balance is 370:1,000,000 yen, the first interest rate is 220:1%, and the interest calculation period is 240:365 days (one year from the deposit date to the maturity date), the first interest calculation means 140 calculates the interest paid as 250, as 1,000,000 yen x 1% x 365 days ÷ 365 days = 10,000 yen.

[0049] In S120, the tax calculation means 150 may calculate the first tax amount 270 to be withheld from the interest paid amount 250, and the interest correction means 160 may calculate the corrected interest paid amount 290 by subtracting the first tax amount 270 from the interest paid amount 250. The tax calculation means 150 may calculate, for example, the interest paid amount 250 x 20% to obtain the first tax amount 270.

[0050] In S130, the interest payment means 170 performs a payment process of the interest payment amount 250 to the user 350 at the desired interest payment timing 210: the fixed term deposit date 310. Also, in S130, the interest payment means 170 may perform a payment process of the revised interest payment amount 290. It should be noted that the payment process by the interest payment means 170 is a concept that includes any of depositing or transferring to a specific savings account, or paying in cash or electronic money.

[0051] In S140, tax calculation means 150 calculates first tax amount 270 to be withheld from interest paid 250, and principal payment means 190 performs processing to pay the amount obtained by deducting first tax amount 270 from deposit balance 370, which is principal amount 330, to user 350 on maturity date 320 of the fixed term deposit. This processing is performed when interest payment means 170 performs payment processing of interest paid 250 on deposit date 310.

[0052] Also, in S140, the principal payment means 190 may perform processing to pay the amount corresponding to the deposit balance 370, which is the deposit principal amount 330, to the user 350 on the time deposit maturity date 320. This is the processing performed when the interest payment means 170 performs payment processing of the revised interest payment amount 290 on the deposit date 310. It should be noted that the concept of payment processing using principal payment means 190 includes any of depositing or transferring money to a specific savings account, or making a payment in cash or electronic money.

[0053] By carrying out the above-mentioned processing, the device 100 pays interest 250, 290 at the timing 210 desired by the user 350 in a deposit and savings service 360 ​​provided by a financial institution. (3) Processing for mid-term cancellation of fixed-term deposits using the device 100

[0054] The flow of mid-term cancellation processing for a fixed term deposit service by the device 100 will be described with reference to Fig. 8. Fig. 8 is a flowchart showing the flow of mid-term cancellation processing for a fixed term deposit service by the device 100. In S210, the user request receiving means 130 receives an application for a type of deposit (so-called fixed term deposit) in which the deposit 360 cannot be withdrawn until the maturity date.

[0055] In S210, the user preference receiving means 130 receives the desired interest payment timing 210 for the deposit 360: the deposit date 310 of the deposit 360 as an indirect instruction in conjunction with the application for the fixed term deposit service in which the interest payment timing is determined.

[0056] At S220, the first interest calculation means 140 calculates the interest payment amount 250 for the deposit 360 at the desired interest payment timing 210 based on the deposit balance 370, the first interest rate 220, and the period 240 from the deposit date 310 to the maturity date 320.

[0057] For example, if the deposit balance is 370:1,000,000 yen, the first interest rate is 220:1%, and the interest calculation period is 240:365 days (one year from the deposit date to the maturity date), the first interest calculation means 140 calculates the interest paid as 250, as 1,000,000 yen x 1% x 365 days ÷ 365 days = 10,000 yen.

[0058] In S220, the tax calculation means 150 may calculate the first tax amount 270 to be withheld from the interest paid amount 250, and the interest correction means 160 may calculate the corrected interest paid amount 290 by subtracting the first tax amount 270 from the interest paid amount 250. The tax calculation means 150 may calculate, for example, the interest paid amount 250 x 20% to obtain the first tax amount 270.

[0059] In S220, the interest payment means 170 performs a payment process of the interest payment amount 250 to the user 350 at the desired interest payment timing 210: the fixed term deposit date 310. Also, in S220, the interest payment means 170 may perform a payment process of the revised interest payment amount 290. It should be noted that the payment process by the interest payment means 170 is a concept that includes any of depositing or transferring to a specific savings account, or paying in cash or electronic money. In S230, the user request receiving means 130 receives an application for mid-term cancellation of the fixed term deposit of S210.

[0060] At S240, the second interest calculation means 180 calculates the early termination interest amount 260 to be paid to the user 350 at the time of early termination 340 based on the remaining deposit balance 370 (principal amount of deposit 330), the second interest rate 230, and the period 240 from the deposit date 310 to the early termination date of the deposit.

[0061] 3 and 4, for example, assume that the deposit balance is 370:1,000,000 yen, the second interest rate is 230:0.20%, and the interest calculation period is 240:90 days (the period from the deposit date 310 to the early cancellation date). The second interest calculation means 180 then calculates the early cancellation interest amount 260 as 1,000,000 yen x 0.20% x 90 days ÷ 365 days = 493 yen.

[0062] In S240, the tax calculation means 150 calculates the second tax amount 280 to be withheld from the early termination interest amount 260. The tax calculation means 150 calculates, for example, the early termination interest amount 260×20% to obtain the second tax amount 280. In S240, the interest correction means 160 calculates a corrected early termination interest amount 300 by subtracting the second tax amount 280 from the early termination interest amount 260. In S250, the interest payment means 170 performs processing to pay the revised mid-term cancellation interest amount 300 to the user 350 at the time of mid-term cancellation.

[0063] In addition, in S250, the principal payment means 190 performs a process of paying to the user 350 the amount obtained by deducting the amount (interest paid amount 250 or revised interest paid amount 290) that was paid by the interest payment means 170 on the deposit date 310 in S220 from the deposit balance 370. It should be noted that the concept of payment processing using principal payment means 190 includes any of depositing or transferring money to a specific savings account, or making a payment in cash or electronic money.

[0064] By carrying out the above-mentioned processing, the device 100 pays the interest 250, 260, 290, 300 at the timing 210 desired by the user 350 in the deposit and savings service 360 ​​provided by the financial institution.

[0065] Although the embodiment of the present invention has been described in detail above, the present invention is not limited to the specific embodiment, and various modifications and variations are possible within the scope of the gist of the present invention described in the claims of the utility model registration. [Explanation of symbols]

[0066] 100 Deposit and savings service providing device 110 Deposit balance storage means 120 Interest rate storage means 130 User preference reception method 140 First interest calculation means 150 Tax calculation method 160 Interest adjustment instrument 170 Interest payment instrument 180 Second interest calculation means 190 Principal payment instruments 210 Desired interest payment timing 220 First Interest Rate 230 Second Interest Rate 240 Interest calculation period 250 Interest paid 260 Early termination interest amount 270 First tax amount 280 Second tax amount 290 Adjusted interest expense 300 Modified early cancellation interest amount 310 Date of deposit of deposit 320 Deposit maturity date 330 Principal of deposits 340 Premature withdrawal of deposits 350 users 360 User Deposits 370 User's deposit balance 380 User Terminals 390 Communication Network 410 CPU 420 ROM 430 RAM 440 Auxiliary storage 450 Communication Interface 460 Input Device 470 Output Device 480 Recording Media Interface 490 Recording media

Claims

1. a deposit balance storage means for storing the user's deposit balance; an interest rate storage means for storing a first interest rate used in calculating interest on said deposits; a user preference receiving means for receiving a desired interest payment timing for said deposit from a user terminal; a first interest calculation means for calculating an amount of interest to be paid on the deposit at the desired interest payment timing based on a balance of the deposit, the first interest rate, and an interest calculation period corresponding to the desired interest payment timing; an interest payment means for performing a payment process of the interest payment amount to the user at the desired interest payment timing, the desired interest payment timing includes immediate or periodic payments; A deposit service providing device, wherein the payment process includes either a deposit or transfer to a specific deposit account, or a payment in cash or electronic money.

2. a tax amount calculation means for calculating a first tax amount to be withheld from the interest payment amount; and an interest adjustment means for calculating an adjusted interest payment amount by deducting the first tax amount from the interest payment amount, 2. The deposit and savings service providing device according to claim 1, wherein said interest payment means performs payment processing of said revised interest payment amount.

3. the deposit is a type of deposit that does not allow withdrawal of principal until maturity, the desired interest payment timing is the deposit date of the deposit, the interest calculation period corresponding to the desired interest payment timing is the period from the deposit date to the maturity date, the interest payment means performs payment processing of the interest payment amount on the deposit date, and further, a tax amount calculation means for calculating a first tax amount to be withheld from the interest payment amount; The deposit service providing device as described in claim 1, characterized in that it has a principal payment means for processing a payment to the user on the maturity date of the amount obtained by deducting the first tax amount from the balance of the deposit, which is the principal amount of the deposit.

4. the deposit is a type of deposit that does not allow withdrawal of principal until maturity, the desired interest payment timing is the deposit date of the deposit, the interest calculation period corresponding to the desired interest payment timing is the period from the deposit date to the maturity date, the interest payment means performs payment processing of the revised interest payment amount on the deposit date, and further 3. A deposit service providing device according to claim 2, further comprising a principal payment means for carrying out a process of paying to said user an amount relating to the balance of said deposit, which is the principal amount of said deposit, on said maturity date.

5. When a request for mid-term cancellation of the deposit is received from the user terminal, instead of processing by the principal payment means, a second interest calculation means for calculating an amount of interest to be paid to the user at the time of early cancellation based on the remaining balance of the deposit, a second interest rate stored in the interest rate storage means and different from the first interest rate to be used at the time of early cancellation, and a period from the deposit date to the early cancellation date; The tax amount calculation means calculates a second tax amount to be withheld from the early termination interest amount, the interest adjustment means calculates a adjusted early termination interest amount by deducting the second tax amount from the early termination interest amount; the principal payment means performs a process of paying to the user an amount obtained by deducting the amount paid by the interest payment means on the deposit date from the balance of the deposit; 5. The deposit and savings service providing device according to claim 3, wherein said interest payment means performs processing for paying said amended mid-term cancellation interest amount to said user.

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